Gavop shows you how to buy homeowners insurance in DeKalb County, AL by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $43,500 | $40,000 | $25,000-$50,000 |
| 2 Bedroom | $65,500 | $60,000 | $50,000-$75,000 |
| 3 Bedroom | $100,000 | $80,000 | $75,000-$100,000 |
| 4 Bedroom | $122,000 | $100,000 | $100,000-$125,000 |
| 5 Bedroom | $323,500 | $270,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $821 |
| Superior Protection Discount | -$97 | $869 |
| Fire & Security Discount | -$77 | $888 |
| Hail Resistant Roof Discount | -$19 | $946 |
| Newly Constructed Home Discount | -$261 | $705 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| DeKalb County | $2,500 | $954 | $3,454 | $693 | $3,193 | $261 |
| DeKalb County, AL | $1,000 | $954 | $1,954 | $693 | $1,693 | $261 |
| Valley Head, AL | $200 | $988 | $1,188 | $718 | $918 | $270 |
| Albertville-Boaz, AL | $400 | $1,033 | $1,433 | $751 | $1,151 | $282 |
| New Union, AL | $700 | $882 | $1,582 | $641 | $1,341 | $241 |
| Princeton, AL | $100 | $863 | $963 | $627 | $727 | $236 |
| Arab, AL | $700 | $806 | $1,506 | $586 | $1,286 | $220 |
| Nances Creek, AL | $300 | $1,085 | $1,385 | $788 | $1,088 | $296 |
| Susan Moore, AL | $1,000 | $1,028 | $2,028 | $747 | $1,747 | $281 |
| Calhoun County, AL | $100 | $964 | $1,064 | $700 | $800 | $263 |
| Baileyton, AL | $2,500 | $1,015 | $3,515 | $737 | $3,237 | $277 |
| Home Insurance Company DeKalb County, AL | Homeowners Insurance Agency DeKalb County, AL | Address | Popularity Score | Distance from DeKalb County (miles) |
|---|---|---|---|---|
| Allstate | Vickie Sanders | 212 Veterans Dr, Scottsboro, AL, 35768 | 19.2 | |
| Travelers | Burkett & Associates Insurance Agency Inc | 2400 Bob Wallace Ave Sw Ste #206, Huntsville, AL, 35805 | 48.4 | |
| State Farm | Mike Hawkins | 333 Whitesport Dr Sw Ste 102, Huntsville, AL, 35801-3455 | 46.6 | |
| State Farm | Brian Bellomy | 7540 Meml Pkwy Sw Ste S, Huntsville, AL, 35802-2208 | 46.1 | |
| Travelers | Attain Insurance | 611 Gault Ave S, Fort Payne, AL, 35967 | 4.7 | |
| Allstate | Scott Blackstone | 215 N 3rd St, Gadsden, AL, 35901 | 32.8 | |
| Allstate | David Farris | 1429 Weatherly Rd Se, Huntsville, AL, 35803 | 43.9 | |
| Allstate | Cody Coffey | 1000 Gault Ave S Ste A, Fort Payne, AL, 35967 | 4.7 | |
| Allstate | Melissa Payne | 72 Roy Sanderson Ave Ste 5, Rainsville, AL, 35986 | 2.3 | |
| Travelers | Allison Agency Inc | 8457 Us Hwy 431, Albertville, AL, 35950 | 27.0 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Alabama | $132,100 | $1,168 | $850 | $1,600 | $750 |
| DeKalb County, AL | $102,900 | $966 | $700 | $1,340 | $640 |
| DeKalb County, AL | $102,900 | $966 | $670 | $1,320 | $650 |
| Valley Head, AL | $101,800 | $1,000 | $670 | $1,380 | $710 |
| Albertville-Boaz, AL | $109,700 | $1,046 | $700 | $1,450 | $750 |
| New Union, AL | $85,100 | $893 | $610 | $1,260 | $650 |
| Princeton, AL | $82,200 | $873 | $590 | $1,210 | $620 |
| Arab, AL | $128,200 | $816 | $550 | $1,150 | $600 |
| Nances Creek, AL | $118,900 | $1,098 | $740 | $1,560 | $820 |
| Susan Moore, AL | $108,600 | $1,040 | $750 | $1,490 | $740 |
| Calhoun County, AL | $110,100 | $976 | $700 | $1,350 | $650 |
| Baileyton, AL | $106,300 | $1,027 | $730 | $1,430 | $700 |